The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$36,803
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,947
−HK$1,163/mo
Today · 4.125%
HK$39,110
baseline
▲ 0.50% · 4.625%
HK$41,490
+HK$2,380/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$78,220/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,943
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,041
−HK$1,113/mo
Today · 4.125%
HK$43,154
baseline
▲ 0.50% · 4.625%
HK$45,429
+HK$2,275/mo
Deposit HK$8.07M · loan HK$8.07M · min. income ≈ HK$86,308/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,163
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$45,537
−HK$1,396/mo
Today · 4.125%
HK$46,933
baseline
▲ 0.50% · 4.625%
HK$49,788
+HK$2,855/mo
Deposit HK$6.46M · loan HK$9.68M · min. income ≈ HK$93,866/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,131
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,449
−HK$1,336/mo
Today · 4.125%
HK$51,785
baseline
▲ 0.50% · 4.625%
HK$54,515
+HK$2,730/mo
Deposit HK$6.46M · loan HK$9.68M · min. income ≈ HK$103,570/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$605,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,524
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,126
−HK$1,629/mo
Today · 4.125%
HK$54,755
baseline
▲ 0.50% · 4.625%
HK$58,086
+HK$3,331/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$109,510/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,320
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$58,857
−HK$1,559/mo
Today · 4.125%
HK$60,416
baseline
▲ 0.50% · 4.625%
HK$63,601
+HK$3,185/mo
Deposit HK$4.84M · loan HK$11.30M · min. income ≈ HK$120,832/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,245
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$68,305
−HK$2,094/mo
Today · 4.125%
HK$70,399
baseline
▲ 0.50% · 4.625%
HK$74,682
+HK$4,283/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$140,798/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,697
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,673
−HK$2,005/mo
Today · 4.125%
HK$77,678
baseline
▲ 0.50% · 4.625%
HK$81,773
+HK$4,095/mo
Deposit HK$1.61M · loan HK$14.53M · min. income ≈ HK$155,356/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,238 · Scale 2, in force from 26 Feb 2026)